RELATIONSHIP MANAGER – PUBLIC SECTOR BANKING (COPPERBELT REGION) (ZAMBIA)

2023/04/17

Reference Number

HCBPNM005

Description

JOB PURPOSE

To grow and retain a portfolio of high value commercial relationships by performing a proactive, value adding financial partnership role, ensuring that close personal attention is given to provide a full range of customized financial solutions and services tailored to meet the growth needs of customers. The Job Holders’ portfolio includes three provinces namely Copperbelt, Central and Northwestern

Under the supervision of the Head Public Sector the following are among the Job Key Responsibilities: –

Contribute to the growth of the Bank’s balance sheet through deposit mobilization and asset creation;
Onboard new customers to contribute to grow the Bank’s customer base;
Profitably manage a portfolio of public sector clients to drive client solutions and earn revenue for the Bank.
Focusing on existing customers to provide excellent customer service and be recognized as a trusted advisor
Building and Developing Key Business Introducers (KBI) networks
Working with marketing to raise profile in the external market
Working with product partners and the Wider Bank to increase the wallet of share, including the delivering of complex product solutions.
Working with credit colleagues to structure credit solutions
Using prioritization model to ensure regular contact with customer, including strategic annual reviews, service meetings, complaints resolution etc.
Use the Sales plan effectively including accurate and timely pipeline completion, complete call reports of all meetings, wallet Share plan and Customer Account Strategy Plan for all customers.
Portfolio Control and Risk Management and ensure Compliance with mandatory Risk policies and procedures relating to credit conformance and regulatory.
Ensure standards of data quality are maintained at all times
Jointly work with Corporate Credit & Risk on credit issues with a view of implementing the Zanaco credit processes (Early Alert, Watch List & Provisioning) with the objective of minimal default by proactively restructuring to avoid default where necessary.
Assists in coordinating end to end post approval activities
Appraise Head, Public Sector of any appropriate market information.
Ensuring effective risk management of portfolio
Operating in accordance with Zanaco’ s Underwriting Standards and Lending procedures
Taking ownership of high-quality objective credit applications, ensure robust monitoring and control and that sound judgement is exercised at all times
Remain alert to the risk of money laundering and assist in the bank’s efforts in combating Money Laundering activity by adhering to the key principles in relation to:
Monitoring customer accounts and reporting suspicious transactions and/or activity on the portfolio,
Safeguarding customer records and not disclosing suspicions to customers.
Any other responsibilities or tasks as maybe assigned by management.
Requirements

QUALIFICATIONS AND EXPERIENCE

University Degree/equivalent in relevant subject or banking qualification preferable
Grade 12 Credit or above mandatory in Mathematics and English and any other three subjects
At least five 5 years of experience in banking/commercial experience
Demonstrated complaint handling and resolution skills
Knowledge of the bank’s credit process
Understanding and interpretation of financial statements
Knowledge of the Public Sector Banking Service Level Agreement
Strong Interpersonal, Sales, Presentation and Negotiation skills.
Stakeholder management to Communicate and network effectively, both internally and externally
Good knowledge of banking systems and processes used by the bank and customers
Knowledge of legal and regulatory issues typical for country banking systems and Knowledge and analytical skills, ability to understand main aspects of a financial institution’s operations an added advantage
Strong knowledge of Bank products and channels an added advantage
JOB CORE COMPETENCIES

Communication and presentation skills.
Analytical skills
Research skills
Decision Making and Problem Solving
Drive for results
Customer service orientation
Attention to detail
Teamwork
Work Level

Skilled

Job Type

Permanent

Salary

Market Related

EE Position

No

Location

Zambia